Retirement Planning

Lay out a path to the retirement of your dreams.

Whether retirement is decades away or just around the corner, we can help. We start by getting to know you… your wants, your needs, your goals, and your dreams. We take the time to answer every question, explain all of your options, and then together we’ll develop a savings and investment strategy that is uniquely yours.

Retirement planning is about finding just the right formula to get you from where you are to where you want to be in the time you have to get there. We understand this balancing act, because we’ve been helping people in our community reach their retirement goals for generations. We will help you determine how much you need for retirement and assist you in determining an investment and withdrawal strategy to make your money last.

Individual Retirement Accounts (IRAs)

IRAs are one of the most powerful savings tools available, even if you are already contributing to a 401(k) at work. Our experienced advisors will help you understand the IRA choices available and determine a savings plan that’s right for you. We’ll help you choose the IRA option that fits into your plan and meets your needs. There are specific conditions for each IRA and we know the guidelines. We are experts at what we do so you don’t have to be.

IRA Options

Traditional IRA

With a Traditional IRA, money deposited into the account may be tax-deductible and is not subject to income tax until you withdraw your funds. This ability to delay when taxes are paid can be an advantage to some investors.

Roth IRA

In a Roth IRA, the contributions you make have already been taxed and are not tax-deductible. Since you’ve already paid taxes on these funds, you are not subject to income tax at withdrawal. This means that the earnings your Roth IRA generates are considered tax-free. You can even take certain early distributions without paying an early withdrawal penalty. If you have had your Roth IRA for more than 5 years and are at least 59 ½ years old, distributions from the account are tax-free and penalty free.

Rollover IRA

If you have a 401(k) or an employer-provided qualified retirement plan from a previous employer, one of your options is to roll over the funds into an IRA. This Rollover IRA prevents you from having to pay taxes or withdrawal penalties at the time funds are transferred and could help you defer income taxes for years. You may also have more investment choices available to you than were offered in your employer-provided retirement plan.

Inherited IRA

An IRA can offer advantages as a way to pass down money to your family or other beneficiaries. IRS regulations allow the ability to extend IRA benefits over time, with options for annual payments for the life of the recipient or for a fixed number of years. There is also the option of a lump sum payment, or for spouses, rolling over the Inherited IRA into their own IRA. If you’re inheriting an IRA, or planning to leave one behind, we’re glad to discuss your options with you.

Retire your way.

Give us a call or visit a banking office – together, we’ll plan for the future you always envisioned.

Estate Planning and Settlement

Estate plans aren’t just for the wealthy. We’re here to help you create and manage a plan for your assets. When the time comes to distribute your assets, you can count on us to complete the settlement process quickly and efficiently.

Hints and Tips

Investment Management

At the end of the day, you are the most important part of investing. Where you want to be, what you hope to achieve, and how you want to live – all of that truly matters to us. We’ll get to know you and use our experience and expertise to make your vision a reality.

Our roots in the community go back to 1886. We’ve grown since then, but our focus is still on providing extraordinary service. We are proud to serve our neighbors in Clermont, Hamilton, and Butler counties.